FNB at St. James CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 4.50%, 6-month CD rates at 0.40% and 3-month CD rates at 3.50%. Current savings rates are at 0.50% and money market rates are at 0.12%. Mortgage rates today on 30-year fixed loans are around 6.94%. Credit Card rates are at 12.90%. Personal Loan rates are at 11.90%. All these rates, and more, can be found in our database of rates. FNB at St. James's 6-Month CD rates are at 5.06%, 12-Month CD rates are at 3.03%, 36-Month CD rates are at 2.52%, 18-Month CD rates are at 2.02%, 24-Month CD rates are at 1.26%.

FNB at St. James

To see how these rates compare to FNB at St. James CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from FNB at St. James, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with FNB at St. James CD rates. You can also compare FNB at St. James savings rates, MMA rates and mortgage rates using our other rate lists.

FNB at St. James money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at FNB at St. James? Share your experience about FNB at St. James by leaving a review below, or read customer reviews before you decide to use FNB at St. James.

FNB at St. James Texas Ratio

FNB at St. James's Texas Ratio is at 0.59%, which is considered excellent. The Texas Ratio for FNB at St. James is lower than the national average of all banks, currently at 6.24%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, FNB at St. James is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
3.03%
18-Month CD
2.02%
24-Month CD
1.26%
36-Month CD
2.52%
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
FNB at St. James
202 1st Ave S
Saint James, MN 56081
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

FNB at St. James CD Rates and Interest Rates

Bank
Product
APY
Min Dep
FNB at St. James
FNB at St. James
6-Month CD
5.06%
$500
FNB at St. James
FNB at St. James
12-Month CD
3.03%
$500
FNB at St. James
FNB at St. James
36-Month CD
2.52%
$500
FNB at St. James
FNB at St. James
18-Month CD
2.02%
$500
FNB at St. James
FNB at St. James
24-Month CD
1.26%
$500

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare FNB at St. James Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
NexBank
NexBank
12-Month CD Promotional Online
5.40%
$25,000
Community Bank of Wichita
Community Bank of Wichita
13-Month CD
5.25%
$10,000
Community Financial Services Bank (CFSB)
Community Financial Services Bank (CFSB)
7-Month CD Special
5.12%
$1,000
Farmers Bank Buhl, ID
Farmers Bank Buhl, ID
6-Month CD Accumulator
4.80%
$500
First National Bank of Bemidji
First National Bank of Bemidji
12-Month CD
4.55%
$500
Vast Bank
Vast Bank
24-Month CD special
4.50%
$2,500
Farm Bureau Bank FSB
Farm Bureau Bank FSB
6-Month CD CDARS
4.45%
$250,000
Access Of Louisiana Federal Credit Union
Access Of Louisiana Federal Credit Union
36-Month CD share certificate
4.44%
$500
Alliant Credit Union
Alliant Credit Union
24-Month CD certificate
4.30%
$1,000
City Credit Union
City Credit Union
24-Month CD certificate
4.25%
$1,000
Bread Financial
Bread Financial
48-Month CD
4.15%
$1,500
Central Bank Provo, UT
Central Bank Provo, UT
60-Month CD
3.65%
$500
MCT Credit Union
MCT Credit Union
36-Month CD
3.50%
$1,000
Kearney Trust Company
Kearney Trust Company
60-Month CD
3.05%
$100
First Liberty Bank
First Liberty Bank
60-Month CD
3.00%
$2,500
Grove Bank
Grove Bank
48-Month CD
2.82%
$1,000
Acadian Federal Credit Union
Acadian Federal Credit Union
6-Month CD share certificate
2.71%
$2,500
Home Bank of California
Home Bank of California
24-Month CD
2.53%
$10,000
Glen Burnie MSB
12-Month CD
2.53%
$1,000
MidCountry Bank
MidCountry Bank
60-Month CD
2.52%
$10,000
Premier Bank Dubuque, IA
Premier Bank Dubuque, IA
60-Month CD
2.50%
$1,000
Ixonia Bank
Ixonia Bank
24-Month CD
2.35%
$1,000
1st University Credit Union
1st University Credit Union
6-Month CD certificate
2.25%
$10,000
Horicon Bank
Horicon Bank
48-Month CD
2.10%
$0
Bank of Hindman
Bank of Hindman
60-Month CD
2.02%
$1,000
First State B&T Williston, ND
First State B&T Williston, ND
12-Month CD
1.90%
$500
Bank of Washington
Bank of Washington
24-Month CD
1.50%
$500
International Bank of Chicago
International Bank of Chicago
Savings Account
1.25%
$200
Bank of Stronghurst
Bank of Stronghurst
30-Month CD
1.25%
$500
The Bank of Tescott
The Bank of Tescott
Legacy Money Market
1.13%
$500,000
First National Bank of Ava
First National Bank of Ava
18-Month CD
1.10%
$500
Mountain View Bank of Commerce
Mountain View Bank of Commerce
Flatirons Personal Money Market
0.95%
$100
Middlesex Federal Savings
Middlesex Federal Savings
60-Month CD
0.80%
$500
River Falls State Bank
River Falls State Bank
Money Market
0.60%
$1,000
Bogota Savings Bank
Bogota Savings Bank
24-Month CD
0.50%
$1,000
Cecil Bank
Cecil Bank
48-Month CD
0.45%
$500
Lone Star Bank
Lone Star Bank
Savings Account
0.40%
$200
Collinsville Bank
Collinsville Bank
24-Month CD
0.25%
$500
American Bank of Baxter Springs
American Bank of Baxter Springs
18-Month CD
0.25%
$1,000
Texas National Bank of Jacksonville
Texas National Bank of Jacksonville
Fixed Rate Money Market
0.15%
$2,500
Tremont First National Bank
Tremont First National Bank
18-Month CD
0.15%
$1,000
Bank of New Hampshire
Bank of New Hampshire
12-Month CD
0.15%
$500
Pineries Bank
Pineries Bank
Regular Savings
0.10%
$100
Achieve Credit Union
Achieve Credit Union
Regular MMIA Money Market
0.10%
$2,500
FNB of Scotia
FNB of Scotia
Day of Deposit Savings
0.07%
$25
Lusitania Savings Bank
Lusitania Savings Bank
12-Month CD
0.05%
$500
FNB of Absecon
FNB of Absecon
Money Market (Personal)
0.05%
$2,500
Citizens Savings Bank Bogalusa, LA
Citizens Savings Bank Bogalusa, LA
Checking Account
0.01%
$500
First State Bank and Trust Bayport, MN
First State Bank and Trust Bayport, MN
Business Checking Account
0.01%
$100
PSB Provident Savings Bank
PSB Provident Savings Bank
Money Market Plus
0.01%
$2,500
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates April 22, 2024

Lender
Product
Rate
APR
Points
4.500%
4.666%
0.000
4.650%
4.766%
0.000
4.990%
5.287%
0.500
5.500%
5.570%
0.000
5.500%
5.614%
0.000
10-Year Power Rate Fixed
5.954%
5.625%
0.000
15-Year Fixed
5.625%
5.681%
0.000
5.500%
5.716%
0.500
15-Year Power Rate Fixed
5.974%
5.750%
0.000
5.625%
5.777%
0.500
5.500%
5.820%
0.000
5.750%
5.834%
0.000
5.500%
5.868%
2.000
5.750%
5.883%
0.500
5.750%
5.886%
0.000
6.000%
5.892%
0.000
10-Year Fixed (LTV 90% or less)
5.675%
5.894%
0.000
5.625%
5.909%
1.000
5.750%
5.946%
0.250
5.875%
5.958%
0.000
5.875%
5.958%
0.000
5-Year ARM (LTV 80% or less)
6.250%
5.963%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

FNB at St. James Information

FNB at St. James
202 1st Ave S
Saint James, MN 56081
Watonwan
Established Date: 10/31/1934
FDIC Certificate #: 14853
Date of FDIC Deposit Insurance: 10/31/1934
Bank Holding Company: FIRST NATL AGENCY SAINT JAMES
How Many Domestic U.S. Offices? 1
How Many Branches are There? 1
Is FNB at St. James FDIC Insured? Yes
What is FNB at St. James's Cert number? 14853
What is the maximum amount for insured deposits? $250,000 per holder, per account

FNB at St. James Financials

Total Assets:
$39,148,000
Total Deposits:
$36,543,000
Equity Capital:
$2,586,000
Domestic Deposits:
$36,543,000
Net Income:
$80,000
Return on Assets:
-0.1439%
Quarterly Return on Assets:
0.8300%
Pretax Return on Assets:
0.8122%
Pretax Quarterly Return on Assets:
0.8100%
Return on Equity:
-2.0600%
Quarterly Return on Equity:
12.5900%
Common Equity Tier 1 Capital Ratio:
13.1604%
Tier 1 Risk-Based Capital Ratio:
13.1604%
Leverage Tier 1 (Core Capital) Ratio:
7.3795%
Total Risk-Based Capital Ratio (YTD):
14.4087%
Total Interest Income (YTD):
3.6620%
 
 
Headquarters:
Saint James
FDIC Field Office:
Mankato
Regulator:
OCC
County:
Watonwan
# of Offices:
1
Metropolitan Statistical Area (MSA):
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
West
FDIC Region:
Kansas City
Source: FDIC

Explore Other Rate Deals

For the past several years the interest rate difference between the best CD rates on 1 year and 5 year CD rateshas been low. When you compare average rates between 1 year and 5 year certificates of deposit the difference is also minimal because the rate curve is flat. I don't anticipate average CD rates and the highest CD rates moving much higher anytime soon. We might have to wait until 2016 for rates to finally increase but maybe rates will increase sooner if the economy starts growing faster.
ableBanking, a division of Northeast Bank 1 Year CD rates are now at 0.65 percent with a yield of 0.65 percent. View current 1 Year CD rates at ableBanking, a division of Northeast Bank below.
Low mortgage rates didn't help home sales in the month of March as the National Association of Realtors reported a drop in existing home sales. Mortgage rates are lower so far in 2014, current 30 year mortgage rates are at 4.25 percent, down from an average rate of 4.53 percent in early January.

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